LOAN RATESAs a not-for-profit financial institution working to serve our members’ financial needs, Catholic & Community provides affordable loan rates
and substantial returns on our savings and investment products. Consult the charts below for our current rates, and contact us at one of our
convenient locations to learn more about how C&CCU can help you!

Please note, all rates are subject to change without notice. Consult the staff at the C&CCU branch near you for official rate quotes on savings and loans.

*LTV = Loan To Value. LTV is based on the amount financed before any additional loan products are added. Large V8 or diesel trucks and SUVs will have adjusted LTV based upon credit scores. Member will receive a .25% rate discount if LTV is 80% or lower, with a floor of 2.34% APR.

*LTV = Loan To Value. LTV is based on the amount financed before any additional loan products are added. Large V8 or diesel trucks
and SUVs will have adjusted LTV based upon credit scores.Maximum allowable mileage is 130,000 miles.
The max term for model years 2005 and older is 48 months.

*Motorcycles and ATVs require a minimum 5% down payment. Increase interest rate by 0.50% APR for models 2010 and older. Max term for model years 2010-2008 is 60 months, and max term for model years 2007 and older is 48 months.

Certificate Secured Loans
Loans will be extended to members in good standing for 2% above the certificate rate. Loan will balloon at certificate maturity.

Open End Lines Of Credit
With an Open End Line of Credit, your accounts will be linked to the additional funds you need to cover expenses should you become overdrawn. This additional line of defense is less expensive than traditional Courtesy Pay coverage, and you won’t pay a dime as long as you don’t require an advance. Enjoy $50 advance increments, with limits up to $5,000 and fixed loan rates of 13.9% APR.

Mortgage Loans
The credit union offers several loan programs to fit your needs, including conventional, FHA/VA and adjustable-rate loans. For full details on rates and eligibility requirements, please contact a C&CCU Loan Officer at (618) 222-1508.

*Add 0.75% APR to the rate when LTV is greater than 80%. Subtract 0.75% APR from the rate when LTV is lower than 70%.

Home Equity Lines of Credit
Lines of credit are available at the prime rate when the Loan-To-Value ratio is 80% or less.
Lines of credit are available at the prime rate plus 1.00% when the Loan-To-Value ratio is 81% to 90%.
The floor rate is 4.00%. All loans for $40,000 or more require an appraisal.